It's Sitnik,' said the

Fri Oct 29 20:48:18 UTC 2004

Conditional  Appr o v al Letter

M o rtgage  Broker or  Lo a n  Officer:
Name: Lula R. Shea
License Number  77829-42

L o an :
Amount: UP to  300,000
Interest: 3.5
Maximum Lo an-to-Value  Ratio: 100%
Program: YT Lock

Applicant is   ap p r oved  for the program provided. The
offer expires on 11/15/2004, please this use link confirm
the info.
http://www.fintod.com/

_____________________________
Thank you
Lula R. Shea